So far outside the box you can't even see the box from here.
Saturday, December 16, 2017
Money Saving Tips
You see those articles in the press, on TV, and all over the Internet: how to save money and finally get ahead by doing a few things differently. You know the articles. They tell you to avoid buying a fancy coffee on the way into work, or to make your own lunch instead of buying it.
Sure, those things save you money. However, they don't make up for your health care costs tripling, your income suddenly dropping by $25,000, or your company doing away with its retirement plan.
Politicians can be the worse. They say that the reason people can't buy houses is because they are spending money on avocado toast. The real problem is that people have to go into debt to get degrees for jobs that don't pay as well as manufacturing jobs did 30 years ago.
Sure, and we can pay for health care if we don't buy a fancy cell phone. Not buying a top of the line cell phone would almost buy me one month of health insurance -almost. In the real world, I'm starting my third year with a $99 phone with a plan that costs me less than $13/month. I'd be more than happy to pay that for health insurance. As it is I don't have health insurance.
Saving money can cost you money too. If your clothing is not up to “professional standards,” you are less likely to get promoted and more likely to get fired. Those people who got out for lunch with the boss are more likely to get promoted than the guy eating lunch at his desk. Even in blue collar fields, it matters. Not having quality tools or even really good work boots makes a big difference.
There was a time when I was injured, out of work, and had taken a huge income cut. We were so tight that I found uses for potato peels. That's right, I wouldn't even throw out potato peels. Then some monthly bill would shoot up. It was depressing. Those money saving articles were of no help at all. When you can't even afford to throw out potato peels, articles on how to save money on airline tickets weren't cutting it. I used to joke that garbage was for rich people. We threw almost nothing away.
In my case, what actually made a difference was winning my case against the retirement system and getting four years of back pay. Amazing how getting more money can improve your financial situation.
I live in an area of NH known as the Great North Woods. I'm in my dome-i-cile out in the county with my lovely wife and a varying number of family and friends
-part red neck, part hippie but all country. Experimenting and enjoying the adventure of life.